Being part of a flexible benefits plan, you get to design your own benefits package-one that fits the needs of your personal situation. But, in order to do so, you've got to stay informed about your options in order to make the right decisions for you and your family.

What is the difference between atraditional benefits plan and a flex plan?

Instead of a traditional "one size fits all" plan, a flex plan lets you choose your benefits using flex credits provided by your employer to purchase the coverage that's right for you.

How does a flex plan work?

Your employer provides you with flex credits each year. Your credits can be used to purchase some or all of your benefit options. Payroll deductions allow you to get more extensive coverage. If you choose less coverage, you may have flex credits left over which you could deposit into a Health Spending Account or take as taxable income.